Your Janitorial Business Contract

If you want to run a legitimate janitorial service business, then you’re going to need to develop a contract that clearly states policies and guidelines for how your company operates. A good contract holds your company accountable while also freeing it of certain liabilities; it does the same for your customers. Contracts can become very helpful in cases of lawsuits since they are legal agreements. Below are some policies that every janitorial business contract should include.

Scope of Service- This part of the contract lays out the type of services you will be offering the customer.

Term- The term states how long you will be providing your customers service before it’s time to renew.

Payment- This section breaks down the amount your customer will be paying and the frequency of those payments.

Products- Some customers like to know what cleaning products you will be using. This part of the contract will break that down.

Renewal- This explains the process and policies involved with renewing the contract.

Access- Some customers require you to clean when they are not home or after office hours. This section of the contract breaks down how you will access the related to a customer’s cancellation of scheduled day of service.

Termination- This breaks down the stipulations and penalties in the event that the customer wants to terminate the contract. You can also state in this section that a contract can be terminated at any time by your company.

Conduct- A great way to make a customer comfortable with your service is to hold your employees accountable for their behavior. This section will explain how your employees will conduct themselves and the rules they will follow while servicing the customer.

Disputes- This section breaks down how disputes between the client and your company will be handled. This is where you can also break down the specifics to you janitorial insurance policy so they know what you can cover.

A good contract for your cleaning service business can help create strong business relationships. When customers know what to expect from your business, they are more likely to trust you. Remember to get every contract notarized by a professional notary. Also remember that janitorial service insurance can protect you in the event of a contractual loophole or dispute. If you want to know how much coverage you can get for your company, get a janitorial business insurance quote as soon as possible. Build your business and your business relationships with a strong, clear contract.

Your Guide to Landscapers Insurance

As long as homeowners want to keep their lawns manicured, there will always be a need for landscapers. Many landscapers are self-employed with their own businesses. As with any industry, there are a lot of risks involved in the landscaping business that can affect your company’s success. To protect your company and your wallet in the case of unforeseen misfortune, it’s important that you get some type of landscapers business insurance. You never know what can happen at a job site, so it’s imperative to have some back up. Listed below are a few of the things that a landscapers insurance policy will cover.

General Liability­- This is the fundamental business insurance coverage that every business owner should have. This covers things like injuries, property damage, tools and equipment, and much more.

Workers’ Compensation-Depending on the state you live in, you may be required to get a workers’’ compensation policy. In the case of an employee injury, workers’ comp frees the business from all liabilities and covers the employee’s medical bills and treatments.

Tools and Equipment- If your tools and equipment get stolen, damaged, or malfunction, the costs to replace them will be covered by your policy.

Vehicles- Most landscapers require a vehicle to do their job. Whether it’s a pickup truck, utility van, or a heavy duty vehicle, it will need to be covered by more than just a standard auto insurance policy. A landscapers insurance policy will cover your work vehicle and the equipment inside of it if it gets damaged on the way to or from a job.

Advertising- If you advertise your business and mention unfavorable things about your competition, they can open a lawsuit against you for slander, libel, or false claims. This coverage will take care of the costs for lawsuits and damages related to the case.

Property Damage- Since landscapers work on customer property, accidents can occur that damages the property. If this happens and the customer opens a lawsuit, your coverage can help protect your finances from the expenses.

No one can predict the future; you never know what can happen on any given day. Protect your assets and your finances by obtaining a good insurance policy. Your premium will be based on the type of coverage your business requires. You can actually go get a landscapers insurance quote right now! Make sure you’re fully covered and keep your business safe.

Your Brief Guide to Mobile Home Types

We all have that dream house: a home that has everything we need to live comfortably. Sometimes, we know exactly what our dream home will look like. Other times, our dream home may be an impractical idea. There are also times where our dream home is just out of our financial reach or we can’t find the perfect place to meet our needs. Luckily there are more affordable options in Manufactured and Modular Housing. Unlike “site-built” housing, Manufactured and Modular homes are usually built in factories and can be transported to different locations. These homes also cost 10%-35% less than a comparable site-built home. When most people think of mobile homes, they think of shabby trailers in desolate trailer parks. But there are actually beautiful homes that you’d never know were mobile. This article is going to break down the different types of mobile homes and what it’s like to own one.

Manufactured Homes

A manufactured home is housing that is built in a factory. These are the modernized upgrade to the mobile homes that became popular in the 50’s, 60’s, and 70’s. These houses are built to comply with the Federal Manufactured Home Construction and Safety Standards also known as the HUD Code. They come with all of the amenities of a standard house including plumbing, electricity, and gas. They also can come with front lawns and backyards depending on the land that is purchased for the home. Each manufactured home comes with standard features but can be customized to fit your wants and needs. They can be built with different types of floor plans and can even be made accessible for those with special needs. Unfortunately, some cities and towns have outdated zoning laws so there may be some restrictions to where a manufactured home can be built. Since manufactured housing is mobile, the wheels are never removed and instead are covered by side skirts on the bottom of the house. Manufactured homes usually take 8-14 weeks to build.

Modular homes

Modular Homes are very similar to manufactured homes when it comes to amenities. One of the main differences is that modular homes comply with federal standards while modular homes are built to state standards. The construction of a modular home usually happens on site where different box-like modules are placed and attached to create one full home. Another great characteristic of modular housing is that these homes are infinitely customizable and can have different parts attached at any time. Unfortunately modular homes usually don’t come with garages or porches. Modular homes are usually permanent and treated the like site-built homes when it comes to financing. They usually take 4-6 weeks to build.

Now that you know the types of mobile homes available, you can begin to decide which one is best for you. Mobile/ Manufactured homes come with a lot of risks so you should also look into purchasing a mobile home insurance policy. If you have questions about the pricing of mobile home insurance coverage you can request a rapid mobile home insurance quoteright now. Try something different and get a dream home you can afford!

Why you need Vacant Home Insurance

Even though a home is vacant, it is still someone’s responsibility. A vacant home is described as a home without substantial furniture or appliances. Vacant homes are almost impossible to live in. Even though these homes may not be occupied, they still must be covered by Vacant House Insurance. When your house becomes vacant for more than 60 days, some of the coverage options on your insurance will not provide protection for your property. An SkyBlue Vacant Home Insurance policy will protect whatever your standard policy doesn’t.

When do you need Vacant Home Insurance?

The rental property you own is between tenants

Moved to a new place but haven’t your property

Your property is undergoing renovations

Received ownership of a home in an estate or will

Left on a sabbatical or extended trip

You still may be thinking: why do I need to insure a house that I don’t live in? A property owner needs insurance for a vacant home because these types of homes are vulnerable to many different types of threats. These threats include:

Theft

Vandalism

Lack of regular maintenance

Trespassers can get injured

Bug infestations

Damaged pipes

If you own a vacant property, save yourself some money and get it protected. We can help you find the best vacant home insurance rates in the nation. Contact us now and get an instant Vacant Home Insurance Quote for free!

Why You Need Renter’s Insurance

If you rent a home or apartment, you probably know that your landlord has some kind of insurance policy to protect you. Unfortunately, most of these policies only cover damage to the property, leaving your belongings and yourself at risk. To give yourself the protection you need, you should obtain a renters’ insurance policy. This insurance will protect you from things that your landlord’s insurance policy might not cover.

Weather Damage

Many renters’ insurance policies will protect the renter from damage caused by weather. This includes rain, high wind, lightening, and floods.

Accidents

If someone gets injured on your rental property, you may be held accountable for the medical bills and any other fees associated with the injury. Your renters’ insurance policy will protect your from these fees.

Personal Belonging

Some insurance policies do not protect your personal belongings if they are damaged in any of the aforementioned situations. With renters’ insurance coverage, your personal belongings are safe and will be covered by your policy.

Theft

If someone breaks in and steals your valuables, they may be costly to replace. With renters’ insurance, the value of the stolen items will be covered.

It’s important for renters to keep themselves, their belongings, and their rental property safe from any unfortunate event. If you would like to know how much renters’ insurance you qualify for, go online and get an instant renters insurance quote today. It’s never too late to be safe.

Why you need Flooring Business Insurance

It takes a lot to run a flooring business. Whether your clients are businesses or residential, there is a lot a flooring business owner must take care of. A flooring business owner must also be prepared for unforeseen events like accidents, injuries, and stolen property. Certain misfortunes can be costly to fix, causing a business owner to come out of pocket or take money from the business to cover the costs. For this reason, flooring business insurance is necessary. Flooring business insurance is a type of general liability business insurance that protects businesses from extraneous expenses that can harm a company. No matter how careful you are, you never know what can happen. Below are some things that flooring insurance will cover.

Equipment

The equipment that your business uses can be very pricey. If something bad were to happen to any of your equipment, it may be expensive to repair or replace. If you have equipment coverage, your policy will cover the costs of replacing and repairing your equipment.

Buildings and Contents

If you have a main office where you operate the administrative side of your business, it can be subject to fires, floods from burst pipes, damages from weather, and much more. With buildings and contents coverage, your office and everything inside is protected and costs are covered if anything needs to be fixed.

Employee Injury

No matter how much safety training you provide, employees are still prone to injury. If an employee is injured due to negligence or dangerous materials, a worker’s compensation policy will cover medical expenses and clears your company from any liability, no matter whose fault it was.

Customer Injury

If a customer gets injured at your office, they may open up an injury lawsuit and hold you responsible for their medical expenses. A customer can also get injured by equipment or get sick from hazardous materials at their business or home where you operate. In the event that a case is opened against your company, certain coverage will take care of legal fees, medical expenses, and any other costs so that you don’t have to come out of your own pockets.

Vehicles

Many flooring businesses use company vehicles to visit jobs sites and transport equipment. Regular auto insurance does not cover certain things that a business vehicle insurance policy would. So if your vehicle is every in a collision or the equipment inside gets damaged while being transported, certain insurance policies will cover the costs to fix these issues.

Employee Theft

Unfortunately, there are dishonest people in this world. For most businesses, theft is commonly perpetrated by employees. In the event that an employee does steal equipment or money, there is insurance coverage that will take care of the costs of what was stolen.

Electronic Data Recovery

We are living in a digital era. This means that most important information is saved electronically. There may be times that this data may be lost, compromised, or deleted. When this happens, it can be expensive to recover or recreate this data. Some insurance policies will take care of those replacement costs.

Insurance is a very important thing to have when owning a business. When you work in the flooring business, there are many unforeseen threats looming; these threats can be costly. Acquiring a flooring business insurance policy will make sure your money stays in your pocket. You can see what kind a premium you qualify for by getting a flooring business insurance quote from a reliable carrier. Get yours today and keep your finances secure.

Why every Plumber should have Plumbers' Insurance

Being a plumber can come with a lot risks. You never know what can happen when you visit a client. That’s why it’s important to have Plumbers’ Insurance. Whether you’re an independent contractor or a plumbing business owner, you should always keep your company, your employees, and your equipment covered with some sort of Plumbers’ Insurance Policy. Plumbers Insurance is General Liability Insurance with policies that are specific to the industry. These policies usually come with many great coverage options to make sure that your wallet never takes a hard hit in unfortunate events.

Who should get Plumbers’ Insurance Coverage?

Plumbing Contractors

Plumbing Business Owners

Handymen

Renovators

Septic Tank Installers

Pipe Fitters

Sprinkler Installers

What’s covered with a Plumbers’ Insurance Policy?

Business Insurance- If you’re an independent contractor or you run a plumbing business, you’ll need to look into Business Insurance for your company. Business Insurance covers your property, your employees, Worker’s Compensation, and utility vehicles that contain your equipment.

Plumbers Liability-If a plumber goes on a job and damages pipes or connects them incorrectly; or if the plumber does unrelated damage to a client’s home, Plumbers’ Liability Insurance will cover the cost to fix those issues.

Employee Dishonesty-This coverage will pay to replace any important equipment that was stolen by an employee. Also covers your company in cases of fraud.

Business Income-If your business property is damaged by a storm or some other natural event and becomes inoperable, this coverage will ensure that you are compensated for any business or income you lost.

Electronic Data- If you lose important electronic data related to your work, it can be expensive to replace. When you have Electronic Data coverage, you won’t have to come out of your own pocket to pay to replace the information.

Valuable Papers- As with Electronic data, if you lose or damage important paperwork like blueprints and schematics, this coverage will take care of the replacement costs.

Equipment- There are policies that will protect and pay to replace any equipment that is damaged or begins to malfunction.

You never know what can happen to you or one of your employees when they’re out on a plumbing job. That’s why out’s best to be prepared for anything with Plumber’s Insurance. If you’d like to see what kind of premium you’re eligible for, go get a Plumbers Insurance Quote now! Don’t let your lack of insurance be your company’s downfall.

Why Buying a Motorcycle is a Good Idea

You’re sitting in stand-still traffic; the freeway feels more like a parking lot. The only driver moving forward is the motorcyclist that just zipped past your open window. You envy the rider as they ride out of your range of vision surpassing the hundreds of stationary cars and trucks. You think, “A motorcycle would be perfect for situations like these.”

Though many people have negative things to say about the safety of motorcycles, they are still a great option when it comes to deciding on a motor vehicle for yourself. Below we break down some of the advantages of owning a motorcycle.

Low Costs- Motorcycles can save you a lot of money. Motorcycles cost relatively less than cars and trucks. Their gas mileage is great; usually averaging about 60 miles per gallon. They are also inexpensive to repair and maintain as compared to other motor vehicles.

Space Saver- Because of their small size, you can virtually park anywhere without issue; even in areas designated for regular bikes. Also, their size allows you to lane split (drive between lanes) in stand-still traffic.

Cleaning- Motorcycles are much easier to clean than cars.

Eco-Friendly- Another advantage of motorbikes is how safe they are for the environment. Motorcycles emit less harmful gases and fumes into the atmosphere than cars do.

Resale Value- Unlike cars and trucks, motorcycles retain most of their value and can be resold for almost as much as you bought it for.

Fellowship- When you start riding a motorcycle, you become a part of a much bigger family. Motorcyclists will often wave or nod at one another when they pass on the road. It’s like you are a part of one big, exclusive group.

If you are considering purchasing a motorcycle, these reasons should help you make your decision. If you do decide to buy one, don’t forget to also obtain A to Z Motorcycle Insurance. It will protect you in case there is a collision, theft, bodily injury and more. We can help you find the best insurance rates for the top providers in the nation. All you have to do is request a free A to Z Motorcycle Insurance quote and we’ll do the rest!

When to Repair your Roof

The roof is a very important part of your home. Many homeowners have to deal with roofing issues. When a roof caves in or falls apart, it can be disastrous. To avoid a catastrophic roofing issue, it’s best to keep up with roof maintenance and repair before it’s too late. Below, we give you some signs to look for so you know when to repair your roof.

Age

One of the biggest indicators that your roof needs repair is age. Most professionals suggest that it’s best to fix your roof every 20-25 years. If it has been some time since you’ve gotten your roof updated, contact a professional and ask them to perform an inspection.

Damaged Shingles

The quality of your shingles will also let you know when to repair your roof. If shingles are cracked, missing, wet, or worn down, it may be time to get your roof checked.

Granules in the Gutter

When your shingles start to wear down, the granules will fall off. If you start to notice the presence of granules in your gutters, this may be a sign that roof repair will be needed soon.

Moss and Algae

Moss and algae can develop on your roof over time due to climate. Moss and algae can eventually eat away at your roof, making it weaker. If you start to notice algae on your roof, keep a close eye and make sure the area isn’t too damaged.

Sagging Roof

When a roof starts to wear down, it will begin to sag. This can eventually lead to a cave in. If it looks like you roof is sagging, call an inspector and have them take a look.

Ceiling Staining and Leaking

When water builds up in your ceiling, it will start change colors due to water damage. During heavy storms, this stained area can build up with water and eventually burst, causing more damage. If you start to see stains in your ceiling, contact a roofer immediately.

Roof damage can lead to worse problems if it’s not taken care of. That’s why it’s important to know when to repair your roof. Knowing the signs will save you money and keep you out of trouble in the future. If you do end up needing roof repair, your SkyBlue Home Insurance policy should cover some of the repairs.

Some SkyBlue Home Insurance policies provide coverage for roof repairs and damage. SkyBlue Insurance is an authorized representative for some of the leading providers of SkyBlue Home Insurance. We can find you affordable rates on SkyBlue Home Insurance with coverage for roof repair. Contact us now and request a free SkyBlue Homeowners Insurance quote and see how much you can save on roof coverage.

When to Buy Term Life Insurance

We get it: people don’t like talking about Life Insurance because they don’t want to think about death. Unfortunately there will come a time when you’ll need to consider a life insurance policy. There are two types of life insurance: Permanent Life Insurance and Term Life Insurance. You may not know which type of policy is right for you. For the sake of this article, we will focus on Term Life Insurance. Read on to learn when to buy term life insurance.

As the name suggests, Term Life Insurance provides coverage for a specified amount of time. This type of insurance is to provide a financial cushion for those you leave behind. It’s a great option for people who have dependents or individuals who rely on your income. If you don’t pass within the specified term limits, the policy expires. At this point you will either have to set up a new policy or renew your old one.

The two main parts of a Term Life Insurance are the Death Benefit and the Beneficiary. The death benefit is the amount that will be paid out in a lump sum in the event of your death. The beneficiary is the person, people, or organization that will receive the lump sum. The death benefit and beneficiary are determined when the policy is created.

Term Life Insurance policies are also much more affordable than Permanent Life Insurance policies. This is due to the payout process. With a Permanent Life Insurance policy, the insurer must pay out the cash value of the policy whether you pass away or not. With a Term Life Insurance policy, there is no pay out. So if you don’t die, you don’t get the lump sum.

Most people purchase a Term Life Insurance policy once they have children. They want to ensure that their children are financially taken care of if they pass away. TermLife Insurance is also a great option for people who have other assets that accumulate wealth. A permanent Life Insurance policy acts as an investment. A Term Life Insurance gives you protection for a certain time while other assets and investments accumulate wealth to pass on. Once these investments gain enough revenue, people tend to end their Term Life Insurance policies because they are now set with the value of their investments.

Term Life Insurance is a great safety net to protect your loved ones and dependents. Be sure you know when to buy Term Life Insurance. If you feel like a Term Life Insurance policy would be great for you, you should give us a call at 1-800-771-7758. SkyBlue Insurance is an authorized rep for some of the leading Term Life Insurance providers in the nation. We can help you find an affordable policy that’s specific to your needs. Find out how much you can get covered for instantly by requesting a Term Life Insurance quote for free!

When Landlords can Enter Tenant Units

Tenants usually hope to have their privacy respected when renting your property. Since the landlord technically manages the property, there are instances when they have the right to enter a tenant’s home without warning. Some tenants take issue with this and see this as an invasion of privacy. This can lead to conflict and complaints. That’s why it’s important that you know when landlords can enter tenant units so you can avoid any conflict and confusion.

To Make Repairs

One of the main times when landlords can enter tenant units is when they need to do repairs. As a landlord, it is your responsibility to fix any issues or repairs that your tenants experience. You have the legal right to enter a tenant’s unit to do so.

For Potential Tenants or Buyers

Sometimes, a landlord needs to show potential renters and buyers the property they are offering. Sometimes, the current tenant still occupies the unit. If people need to view the property, the landlord has the right to let them do so if they please. State law does dictate frequency and rules for giving notice.

Emergencies

If there is an emergency, some state laws allow landlords to enter tenant unites without notice. Emergencies include an event that is causing damage to the property, floods or fires, gas leaks, and more.

During Tenants’ Extended Absences

If a tenant will be absent from their property for a limited time, landlords are allowed to enter the unit to perform routine maintenance, inspections, and to check the security of the unit. Each stay defines an extended absence differently, so be sure to understand your state’s law. Some states do not allow entry into a tenant’s apartment, even for extended absences.

Always Remember

Even though the landlord is responsible for the property, they still have to respect the privacy of their tenants. To avoid any conflicts, always give notice that you will be entering their unit. Also remember to enter the unit at reasonable times; usually times when the tenant is not present.

It is important to know when landlords can enter tenant units. Not respecting privacy can lead to lawsuits and other tenant complaints. If you do need to make repairs, be sure to protect yourself and your property with Landlord Insurance. With a landlord insurance policy, you can cover any expensive repairs, lawsuits, or injuries.

SkyBlue Insurance is an authorized rep for Foremost Insurance. We can help you find amazing rates on Foremost Landlord Insurance anywhere in the country. Contact us now if you’re in need of Foremost Landlord Insurance and get instant results by requesting a Foremost Landlord Insurance quote for free!

What you need to start a Welding Business

Starting your own welding business can be equal parts exciting and terrifying. On the one hand, you have the opportunity to increase your income and be your own boss. On the other hand, there’s the stress, risk, and patience that must be taken into consideration. But of course, you think you’re ready for whatever challenges await you on your journey to making a better living. Since you’re ready to make that leap, we’ve made this guide showing what it takes to get your business off the ground and generating revenue in no time.

Form a Business Plan

Every company starts with a business plan. This is where you lay out goals, risks, and plans for your company. This is when you decide whether you want to be an independent contractor or you want to have employees. You’ll also decide what kind of welding service you want to focus on, how much you’ll charge customers, and a timeline leading to the launch of your business. This business plan is like a blueprint for you and can be used to impress investors.

Brand

This is the step when your company becomes “a company.” A business is nothing without an identity. The branding process is when you decide “who” your business is. You’ll come up with a name, color schemes and styling preferences, a mission statement, and a company ideology. You’ll also need to license your business and take care of any business technicalities involved with starting the business. How you brand your welding business will determine your success and how customers will view your company.

Personality

Many business owners overlook the importance of personality. Others will not do business with you if they don’t connect with you. When going to meet with potential investors and clients, ensure that you’re always prompt, cordial, amicable, and well-spoken. Knowing how to talk and connect with people can take you a long way. If your interpersonal skills aren’t too great, try finding someone who is good with people to handle meetings with investors and clients.

Secure Funding

You have to spend money to make money. Unfortunately many of us don’t have the finances required to start a full-functioning business. There may be times where you have to secure investments for things like purchasing a building, equipment, and other parts of your business. These funds can come in the form of business loans, loans from wealthy people that you know who will in turn receive a piece of the profit, or sponsors who can cut a deal with you to use your services.

Find a workplace and equipment

Once you have your funding down, it’s time to create a office where you operate. This is where you’ll keep all of your important documents, meet with clients, store equipment, do certain jobs, and handle any other business related issues. You will also need to start obtaining the best equipment to use for your work. Fortunately your workplace and your equipment can both be protected by a good business insurance claim.

Hire Employees (If Necessary)

If you decide to run your own business, you may choose to hire a few other employees with welding skills. If so, you need to decide on the type of people you want to employ. You will also need to create a code of conduct for your employees. If you do decide to hire others, you will also need to get a Workers’ Comp policy in the event of injuries. You can also get extra protection for your employees by getting a good welders’ insurance policy.

Get Insured

As mentioned briefly above, you are going to need to get welders’ insurance coverage. This is a general liability insurance policy that covers things that are specific to your line of work. This insurance will protect you from lawsuits filed by customers, employee injuries, damaged or stolen equipment, workplace fires, and company vehicles. If you want to know how much insurance you’re eligible for, get a welders’ insurance quote now.

Marketing

Once you have everything together, it’s time to promote your services. What’s the point of being a great welding company if no one knows you exist? Social media is a great way to put your business out there. You can also do email blasts to companies who would need your services or post ads in newspapers. Networking with people in your industry is also a great way to get your brand out there. Always remember to keep business cards with you so people you meet know how to contact you.

Starting a business is never easy. It takes a lot of time, patience, and false starts. But if you work at it and take the proper steps, you are sure to see some success. Remember to plan everything out thoroughly, build your brand, acquire welders’ insurance, and market your company. Good luck in your future endeavors.

What you need to Know about RV Insurance Coverage

Your family sings along to the latest Top 40 hit as your RV cruises around another curve on the side of a mountain. Your knuckles whiten as you grip the steering wheel, trying to maintain control of your camper on the icy road. Suddenly, taillights flare in front of you and traffic comes to an immediate stop. Your foot smashes the brake pedal causing your RV to slide and collide with the car in front of you. You assess your family; everyone is okay. You look at the car you collided with; the bumper is caved in. Your RV has a giant dent in the front. It’s situations like these that you are thankful you have RV insurance coverage.

An RV is an excellent investment for those who love to experience life on the road. Just like any operational vehicle, an RV requires an insurance policy. It’s important to realize that your RV isn’t a regular vehicle. Because RV’s are special vehicles their policies are often referred to as specialty coverage. These policies are meant to cover expenses that are specific to RV’s. Here are a few things that a standard specialty RV coverage policy would cover:

Personal items that you would keep in an RV but not a car (jewelry, clothes, kitchen utensils, bedding, electronics)

Because RV’s come with tons of liabilities, there are many coverage options to ensure that you’re fully protected. The coverage you choose should be based on how you’ll use your RV. Some of the more common RV coverage options are listed below:

Full-Timer Coverage- Homeowner-type coverage for those who use their RV as a primary home

Vacation Liability Coverage- For those who want to be protected from liabilities while parked, but do not use their RV full-time

Personal Effects Coverage- Covers personal items stored in the RV

Emergency Roadside Assistance Coverage- Can be added to a policy and used when the RV needs maintenance while on the road.

If you’re ready to get on the road, be sure that you and your family are properly protected with the best RV insurance coverage. You can never be too safe. Contact a carrier today and get an RV Insurance quote so you can get started on your next travel adventure!

What You Need to Know about Groomer’s Insurance

Groomer’s insurance is a type of Business Liability insurance that is specific to those who own a pet grooming business. Business Liability coverage protects business against standard damages, but pet groomers’ insurance comes with policies that are specific to the industry. Some of those coverage options are mentioned below:

Animal Bailee

Animals are very nervous and can be untrusting of strangers. This can make them very difficult to be responsible for. Sometimes things will happen where an animal gets lost or injured. It is also highly expensive to locate a missing animal or treat and injured one. This policy will protect you from the costs associated with missing and injured animals.

Professional Liability

Professional liability coverage is very important insurance for business owners to have. No one is perfect, and no matter how careful you are, accidents happen. If your clients don’t like your work, you perform the wrong service, or customer property is damaged, your company will be held accountable. This coverage protects your from liability for these occurrences.

Commercial Auto

Some groomers don’t work at one facility and instead travel to meet their clients. This means that they carry their equipment with them and use a company vehicle. Standard auto insurance does not have enough coverage to protect your vehicle during work. That’s why it’s also good to get a commercial auto insurance policy. This protects your equipment, damage to your vehicles and any employee injury experienced.

If you work as a groomer then you should definitely get a groomers’ insurance policy. You never know what can happen on the job, so it’s best to be safe and secure. If you run a grooming business and you’re not protected, go online and get a groomers’ insurance quotetoday!

What to Look for when Buying Vacant Homes

Vacant homes are like sitting ducks from crime, wear, and creepy critters. Before you buy a vacant home there are some considerations to be made before you make a final decision. Below we list some things that you should be aware of before you buy vacant property.

Bad Appliances

Some homes come with appliances. If a vacant home has appliances that have been sitting unused, a buyer may not know if the appliances function properly or need maintenance.

Limited Inspection

When someone becomes a potential buy of a home, they usually have a professional inspector come by and evaluate the condition of the property. When a home has been vacant, the utilities are shut off. This prevents inspectors from being able to assess the plumbing, electricity, gas, and heating systems. A buyer won’t know the condition of these systems until they purchase the house.

Repairs

Some vacant homes may experience damage through natural wear and tear, lack of maintenance, or damage left by the previous owners.

Squatters

Unfortunately, there are many people living without shelter in this country. An abandoned house poses an opportunity for those without to find shelter. If you go to check on your vacant home or have inspection, don’t be surprised if there are squatters living in it.

Vermin/ Pests

Pests will always be a part of our lives. When we do encounter pests in our homes, we have ways to get rid of them. When a home is vacant, pests and vermin like rats and mice can populate peacefully knowing they won’t be outed or exterminated. If you plan on buying a vacant home, be prepared to encounter some creepy critters.

Water Damage

If a pipe bursts in your vacant home, you may not be aware of it for a while. By the time you return, there may be substantial water damage and mold from leaks and flooding.

Purchasing a vacant home can come with a lot of advantages as well as risks. Just be sure to know what to look for when buying. If you plan for the home to be vacant for a while, be sure to obtain SkyBlueVacant Property Insurance. This will protect your home while no one is living in it. We can help you find the best rates on insurance from Foremost Insurance. Contact us now and request a free SkyBlue Vacant Property Insurance quote instantly!

What to do during Minor Car Collisions

A car collision can be a very traumatic event. Emotions are racing, adrenaline is pumping, and there may be some confusion. But you must always remember to stay calm and keep a level head. Below we show you what to do during minor car collisions.

Move to a Safety

If you can, move your vehicle to a safe place out of the way of traffic. Many people have been injured or caused more damage because they were in the way. If you are in a minor collision, move your car to the shoulder of the freeway, an empty parking lot, or any other area that’s out of the way.

Stop your Vehicle

Due to all of the chaos, many people forget to put their car in park during a collision. Make sure your car is no longer moving when you get out. But first remember to check that it’s safe to exit the vehicle.

Check on Others

Be sure to check on everyone who’s involved in the collision including drivers and passengers. If there’s any sign of injury, call 911 immediately. Sometimes people seem okay in the moment, but there may be an internal injury.

Call the Police

Even if the collision is minor, a police report can be very useful when it comes to making insurance claims. They know exactly what to do during minor car collisions. They will also be able to check if any of the drivers are intoxicated or driving illegally. Sometimes, people who are involved in collisions may be violent. If a police officer is present, there is less likely to be an altercation. If there are no injuries, the police are less likely to show up to the scene. Be sure to file a collision report through the DMV immediately.

Gather Information

Try to get as much information as possible from the other driver. This info should include:

Driver and passenger names

License plate numbers

Insurance information

Makes and models of all vehicles involved

Contact info for any eyewitnesses

Location of the collision

The name and badge number of any responding police officers

Take Photos

Some collisions end up leading to lawsuits. To protect yourself, be sure to take pictures of all damage done to all vehicles. This will also help you when you show your insurance provider the damage you need covered.

Notify your Insurance Carrier

If you have SkyBlue Car Insurance, you can contact them while on the scene of the collision and file your claim instantly. Your SkyBlue Car Insurance agent will contact the insurance provider of the other driver and decide on what is and isn’t covered by your policy. If you need SkyBlue Car Insurance, give us a call at 1-800-771-7758 or go online and request a free SkyBlue Car Insurance quote. You do not want to be caught up in a collision without insurance.

It is important that you know what to do during minor car collisions. They are completely unpredictable and can happen in a blink of an eye. Remember to stay calm and follow the steps that were broken down above. Your safety is important. Also remember to get a reliable SkyBlue Car Insurance policy to cover any damages.

What is Welders Insurance?

Whether you plan to start a welding business with employees or plan to work as an independent contractor, you’re going to need welders insurance. Welders’ liability insurance is a form of business insurance with policies that are specific to those who work in welding or run a welding company. There are plenty of risks involved in this line of work that could harm your company if it’s not properly insured. Listed below are some of the things that a welder’s insurance policy will cover.

Business Property- In the case that a fire or any other natural occurrence damages your workplace, the cost of damages and items in the building can be covered by this policy.

Vehicles- All of your company vehicles and the equipment inside are protected by this coverage. There are times where your company vehicles can be involved in a collision. This coverage will take care of fees involved in the repairs.

Employee Injury- As with any job, employees are at risk of injury. This is especially true for welders since they use so much dangerous equipment. If you own a business with employees, you most likely already have a Workers’ Compensation policy. Employee insurance coverage will take care of things like medical bills, treatments, and time off due to work-related injury.

Equipment- Some of the equipment a welder uses is very expensive. If the equipment is damaged, lost, or malfunctions, it can be extremely costly to replace. Equipment coverage will take care of costs related to replacing or repairing necessary equipment.

If you’re welding company does not have good welders insurance coverage, then your business is at risk of losing everything in the event that someone files a lawsuit against you. You can also take a big financial hit if you have to come out of pocket to pay for medical bills, replacement equipment, and vehicular damage. If you’re interest in getting an insurance police to keep your business safe and peace of mind at ease, get a welders insurance quote from a reliable carrier today!

What is Painting Insurance?

If you work as a commercial painter for homes and buildings, or you own a painting company, you’re going to need Painting Insurance. Painting insurance is the only way to protect your business, your employees and your equipment from unfortunate events. Since being a painter is considered a high-risk trade, there are many things that can go wrong when on the job. Keep mind at peace and your pockets full by obtaining a reliable Painting Insurance Policy.

Painting insurance is a form of Business Insurance that is specific to those who work in the painting industry. Business insurance comes with coverages like general liability insurance, workers’ comp, and commercial vehicle insurance. Commercial vehicle insurance expands to car, pick-up truck, van, utility vehicle, trailer, and dump truck insurance. Painters insurance will protect your company against lawsuits, cover medical bills, and replace any important equipment. Events where Painting Insurance Coverage comes in handy include:

Employee Falls

Paint Spills

Client Injuries

Painting Errors

Damages caused to customer property

Damage to company property

Stolen or malfunctioning supplies

Damaged or stolen vehicle

The following people should definitely acquire Painting Insurance

Painting Contractors

Builders

Construction Companies

Housing Contractor

If you work in the painting industry, don’t hesitate to get Painting Insurance Coverage. It’s better to keep yourself protected than to have to come out of pocket damage your finances. If you want to know where you qualify, get apainting insurance quote today!

What is Mexican Auto Insurance

Do visit Mexico often? Do you take your own vehicle when you go? If so, you may not be aware that your regular auto insurance coverage may not protect your vehicle from certain liabilities when traveling to Mexico. Also, your U.S. auto policy may not be recognized as valid by Mexican Authorities. In the event that you cause any damage behind the wheel or injure someone with your vehicle, you may be held financially responsible. You may also experience other penalties for not having the proper insurance in Mexico.

For this reason, we help people who frequent Mexico acquire Mexican Auto Insurance. This type of auto liability insurance is perfect for those who need extra coverage when traveling south of the border. The insurance will cover you for as long as you’re in Mexico. Mexico Auto Insurance Coverage Includes:

Liability Coverage- This is standard insurance coverage that protects you from damages to people, property, and other vehicles when in Mexico.

Medical Payments- In case you are injured in a collision, this coverage will protect your from expensive medical fees.

Legal Assistance- If someone in Mexico opens a lawsuit against you due to vehicle related incidents, your legal expenses will be covered.

Collision- This policy protects your vehicle from damage caused in a collision.

Theft- If your car is stolen, this coverage will take care of the costs of getting a rental car and fixing any damage that occurred during the theft.

Do not travel to Mexico in your vehicle without being totally protected. If you get into a collision in Mexico without the proper coverage, you could be taken into custody. To see how much you would have to pay for coverage, get a Mexico Auto Coverage Quote now! Keep yourself and your loved ones safe by being fully covered when you travel to Mexico.

Are you a Florida or Virginia resident who is required to file an FR-44? Obtaining insurance at affordable rates with an FR-44can be extremely difficult. This site was created to help you find the best prices on FR-44 Car Insurance because we believe everyone deserves the privilege to hit the road with protection.

SkyBlue Insurance is an authorized representative for some of the leading providers of FR-44 Car Insurance. We have a powerful quote system that can deliver you the most affordable quotes from around the nation. It doesn’t matter if you have a DUI, or your license was suspended, we’ll help you get the FR-44 Car Insurance you need.

If you’d like to know more about FR-44 Car Insurance, give us a call and speak to one of our skilled agents at 1-800-771-7758. You can also get started by requesting a free FR-44 Car Insurance quote today!

What is FR-44 Car Insurance?

In Florida and Virginia, an FR-44 is required for those who are considered ‘high risk’ drivers. There are many reasons why someone would be considered a High-Risk driver. Some reasons you’d need an SR-22 include:

You have a DUI or DWI or serious moving violations

Citation for driving without a license

An FR-44 is technically not insurance. It is more so a certificate that your car insurance provider will submit, showing support for your privilege to drive. Note that you’ll only need to get an FR-44 if the judge requires you to do so. If you already have insurance, but are required to obtain FR-44 Car Insurance, you’ll need to add it to your policy.

There are a few characteristics of FR-44 Car Insurance that one should know. For one, FR-44s come with a few requirements including:

$100,000/$30,000 of bodily injury

$50,000 for property damage coverage

The higher the limits on your FR44 Car Insurance policy, the more you’ll have to pay. Fortunately you won’t have to pay these fees forever. After your probationary period is complete, you can file an FR26 with your insurance company.

If you have an FR-44 and are in need of insurance, give us a call. We’ll help you find affordable FR-44 Car Insurance so you can legally hit the road and avoid any more issues. Don’t hesitate to give us a call today at 1-800-771-7758 to find out how you can get the coverage you need. You can also get the rapid results you want by requesting a FR-44 Car Insurance quote for free!

FR-44 vs SR-22

An FR-44 is similar to an SR-22 in the fact that it is used as a form of financial responsibility. The FR-44 is only used in the states of Florida and Virginia. FR-44s are mainly used for drivers with D.U.I.s and those who were cited for driving on a suspended license. FR-44 Car Insurance is much more expensive than an SR-22. Also, drivers who are required to file an FR-44 must pay for their insurance policy in full.

If you live in Florida or Virginia, then you’ll need to file an FR-44. If you have an FR-44 and need car insurance, we can help you save by finding you affordable rates on FR-44 Car Insurance. Contact us now and request a rapid FR-44 Car Insurance quote for free today!